The health plan Jessa Duggar Seewald is promoting is known as the “Ministry of Health,” a legal alternative to regular health insurance. As the Christian Healthcare Ministries (CHM) website explains, organizations like this are a cost-sharing model. Members pay a monthly fee, which is pooled and used as needed to pay for medical procedures performed by other members. Members also offer support in the form of prayer and personal help.
But the system is not for everyone. California Healthline cautions that health departments often have long wait times for pre-existing conditions and may not cover medications related to those conditions. Unlike standard insurance, providers do not bill the Ministry; Patients pay the entire fee upfront and await reimbursement from the plan, which typically takes several months. Catastrophic diseases may not be fully covered, leaving patients hooked for tens of thousands of dollars. And certain services, such as therapies for mental illnesses such as depression, are not covered at all. Reimbursement disputes are handled internally because the state government has no regulatory authority over church cost-sharing plans.
Plans like Seewald’s are also limited to church Christians, who follow the ministry’s specific beliefs — the CHM’s creed states that unbelievers “shall receive eternal punishment in hell.” They are also expected to live by certain lifestyle standards: no drinking, smoking, or “sexual immorality,” including adultery, homosexuality, and same-sex marriages.
https://www.thelist.com/961843/jessa-duggar-seewalds-latest-sponsorship-is-turning-heads/ Jessa Duggar Seewald’s latest sponsorship is causing a stir